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  • Guest's Avatar
    Guest started a topic CIFAS Cat 6 Marker Appeal - Halifax

    CIFAS Cat 6 Marker Appeal - Halifax

    Hi, I am new to the forum, so I hope this is in the right place and hopefully somebody will be able to provide some advice.

    I'll try to be as concise as possible without rambling, but as a little bit of back story, I am 27 and for the past 5 or so years have been on a downwards spiral struggling...
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  • INDEBTNEEDHELP
    started a topic IN DEBT NEED HELP FAST

    IN DEBT NEED HELP FAST

    Halifax overdraft: 5000 - Increased from zero to 5000 over the space of a couple of months a lot of which was gambling and they were also aware my credit card was almost maxed at the time.
    Halifax credit card 6500 - The first card i started using after buying a house in 2016

    Capital...
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  • NatWest closed my account! Someone please help me!! Cifas marker

    I was in desperate need of money so I came across some guy on Facebook who convinced me that he will make me money and give me 50% of whatever was made. I met up with him and gave him my NatWest bank card and details. He made 2 transactions of 500 to my account so 1000 in total and withdrew the money...
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  • Lloyds shakes up overdraft fees - but still charges borrowers 52%

    Lloyds Banking Group has announced an overhaul of its overdraft charges that it says will improve the finances of the majority of its current account customers.

    But the new measures could result in far higher costs for some Lloyds and Halifax customers - and make these banks some of the...
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  • The new Jane Austen 10 note - when is it coming out and what will it look like?

    The new, polymer 10 note is being unveiled by Bank of England governor Mark Carney on Tuesday. This marks the 200th anniversary of the death of Jane Austen, who features on the new bank note.

    Austen will be the only woman - apart from the Queen - to be featured on an English bank note,...
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  • julian
    started a topic BOI -> BOIG Creditor?

    BOI -> BOIG Creditor?

    Have seen a letter advising an erstwhile BOI credit card defaulter (now SB) following the non-payment route that he is a creditor. "As a creditor he must by law be informed of the change to the structure of the bank which is now changing its name from Bank of Ireland to Bank of Ireland Group",...
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    Last edited by julian; 6th June 2017, 11:07. Reason: ie scrabble

  • InvisibleMan
    started a topic Invisible Man's UE diary

    Invisible Man's UE diary

    Background to how I got into this mess:

    Around 10 years ago I had a well-paid job and a top notch credit score. I had a few credit cards I hardly used, but no outstanding debt. I went into a lone business venture for a pension pot. I borrowed heavily through bank loans. They couldn’t...
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    Last edited by InvisibleMan; 11th June 2017, 20:44.

  • wilfred
    started a topic National Hunter and Cfas issue

    National Hunter and Cfas issue

    Before i get into the full story can anybody clear up three points for me please? I have read some conflicting information about how long an NH marker stays active. I thought it was six years but Im sure I read somewhere on here that it was rolling 13 months assuming no other issues were flagged to...
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  • Strepsi
    started a topic Personal Tax - Ltd Company Dissolved

    Personal Tax - Ltd Company Dissolved

    Quick question, my wife's business has recently dissolved as yet my wife who was the sole director and employee of the business hasn't completed her personal tax return.

    What is the best way to complete her return, she never took payslips, only bank statements... how would HMRC check...
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  • crazybeats
    started a topic Bank of Scotland credit card help

    Bank of Scotland credit card help

    I am going to go and try and speak to them in the branch tomorrow but I wanted some advice first and this seemed like a good site to start with and speak to other people. I should also say I called them tonight to explain the situation but it did not go well at all. I just want advice from others in...
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  • Spent2much
    started a topic freehold on mortgaged property

    freehold on mortgaged property

    This question is from a friend which i found interesting so I'm going to ask your views on it if you will please .

    Jo Blogs buys a house he has a mortgage . The property is freehold .
    If he paid for the freehold outright can he then live on the land and not in the mortgaged house...
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  • Unwarranted CIFAS against my Name - Mortgage Application Fraud

    Hi Forum,
    I am new this forum (infact to any forum) but the need is such!!! So please accept my apologies if my below request is more in detail and boring and not in line with your expectations.

    Issue in Detail: I have started a mortgage application with a leading UK Bank (which...
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  • debtnewbie
    started a topic debtnewbie's Diary

    debtnewbie's Diary

    Here's the (long) list - hope this format is okay...any advice much appreciated!
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    Last edited by debtnewbie; 12th March 2017, 18:11.

  • Spent2much
    started a topic Co-operative bank for sale

    Co-operative bank for sale

    Iv'e been with this bank for 10 years - just read that the TSB might be taking over . This is bad for us as we have debts with the TSB .
    How will this affect our account if they do take it over - will they take our money from our account to pay the debts we owe to them ?

    thanks
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  • Zeppelin
    started a topic Zeppelin's UE Diary

    Zeppelin's UE Diary

    Hi.

    Some of the UE Diaries start with some background whilst others don't seem to but I reckoned I should provide some background, partly as it might help other forum readers and partly to give Niddy and the other advisers relevant background details on specific debts.

    I...
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    Last edited by Zeppelin; 19th February 2017, 10:08.
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